What is the ruling on taking the percentage that is returned from banks when using credit cards, and is this considered usury (riba)?
Source: FtawySummary from Ftawy's records · added here Sep 2, 2026
It is not permissible to issue credit cards with an interest-based condition unless there is a dire necessity. The cardholder's intention to pay before interest becomes due does not justify it. Prizes offered by banks issuing these cards are not permissible to own and must be spent on general Muslim welfare. However, if the refunded amount is part of the interest paid, it is the cardholder's money and should not be left to the bank.
Summary from Ftawy's records · added here
Reviewed by El Fatwa's sharia committee.
Read the full answer on Ftawyhttps://ftawy.com/en/questions/119988
Where this answer came from
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- Ftawy
- Original fatwa ID
- 119988
- Added here
- . This is when the answer was added to El Fatwa, not the fatwa's date.
- Text
- Summary from Ftawy's records, reviewed by El Fatwa's sharia committee.
- Read the full ruling
- Read the full answer on Ftawy